Debt Recovery

Trucking Debt Collection | BMC-84 Bond & Freight Recovery

Trucking Debt Recovery: Don’t Let Brokers Fuel Their Business with Your Cash Flow

In trucking, your “assets” are moving at 70 MPH, but your cash flow is often stuck in a broker’s “processing” pile. With diesel prices and insurance premiums at record highs in 2026, you cannot afford to be an interest-free bank for your shippers or brokers. Whether it’s a disputed detention fee or a “ghost” broker who stopped answering the phone, every unpaid mile is a direct hit to your survival.

Nexa provides a specialized, high-velocity recovery system that understands the 90-Day Bond Cliff. We don’t just “ask” for payment; we leverage the BMC-84 Broker Bond to ensure your invoice is paid first.

Nexa provides 100% reputation-safe, equipped with all 50-state collections license, offering free credit reporting, free litigation, free bankruptcy scrubs, and zero onboarding fees. Secure – SOC 2 Type II & HIPAA compliant. Over 2,000 online reviews rate us 4.85 out of 5.

Stop Being a Free Bank. Get Paid Now.

The Trucking Reality: Numbers That Matter

$75,000: The federal limit of a broker’s bond. If you aren’t the first carrier to file a claim, that money will be gone before you even get in line.
18.5%: The average increase in operating costs for carriers in 2025/2026. Unpaid debt is no longer an “annoyance”—it’s a bankruptcy risk.
60 Days: The point at which the probability of recovering freight debt drops by 40%.
$0: The amount we charge for Step 1 Fixed-Fee white-label demands. You keep 100% of the recovery.

The Nexa “Freight-First” 4-Step Ladder

Step 1: The “Bond Warning” (Fixed Fee). Best for accounts 30–45 days past due. We send professional notices that signal a formal intent to file against their bond. The broker pays you directly.
Steps 2–4: Full Mediation & Bond Filing (Contingency). If they stay silent, we initiate the BMC-84 claim and handle the documentation hurdles (Rate Cons, BOLs, PODs). No Recovery = No Fee.

Why Carriers Choose Nexa

Lien & Bond Expertise: We know how to navigate the FMCSA SAFER system to identify the exact surety company holding the broker’s bond.
Accessorial Recovery: We don’t just chase the base rate. We fight for Detention, Layover, and Lumper fees that brokers love to “forget.”
Fraud Detection: We identify “Double-Brokering” scams early, helping you target the actual shipper (the “beneficial owner” of the freight) to secure payment legally.

Recent Freight Recoveries

An Oglethorpe Transport : Recovered $22,000 in “short-paid” invoices from a regional broker who was disputing delivery times.
Mid-Sized Fleet (Reefer): Secured $84,000 from a broker’s bond 14 days before the broker filed for bankruptcy.
Owner-Operator: Recovered $3,200 in unpaid detention and fuel surcharges that the shipper had previously denied.

Frequently Asked Questions (FAQ)

1. Can you collect if I don’t have a signed POD?
Yes. While a POD is “gold,” we can use GPS logs, gate receipts, and email chains to build a secondary proof of delivery for mediation.

2. What if the broker’s bond is already maxed out?
We pivot to the Shipper. Under federal law, the shipper can often be held liable for the freight charges if the broker they hired fails to pay the carrier.

Security & Alarm Debt Collection | Revenue Recovery

Securing the Perimeter of Your Profits: Revenue Recovery for the Alarm Industry

In an industry where the median subscriber acquisition cost (SAC) has climbed over $1,200 per residential account, every “ghost” cancellation is a direct hit to your bottom line. The security industry isn’t just fighting crime; it’s fighting a silent epidemic of unreturned hardware and monitoring fee defaults.

When an office park or a homeowner “goes dark” without returning your high-end AI cameras or proprietary access hubs, you aren’t just losing a monthly fee—you’re losing thousands in depreciating physical assets. Nexa provides a surgical, legally-fortified recovery strategy that retrieves your funds and hardware while maintaining the professional reputation your brand depends on in a competitive North American market.

Need a Collection Agency? Contact us

The Security Economy: Data & Context

The global security solutions market has surged to $370 billion in 2025, yet industry benchmarks show that involuntary churn remains a persistent leak, often claiming 8.6% of annual revenue. With 4K AI-enabled cameras now retailing between $180 and $650 per unit and commercial access control systems averaging $2,500 per door, a single commercial default can represent a $15,000+ loss in hardware alone. Nexa bridges this gap by moving faster than the 90-day “danger zone,” using high-velocity digital outreach and professional mediation to secure your hardware before it disappears.

Industries We Serve (Security Industry Context)

Commercial & Industrial Security: Recovery for enterprise-level video surveillance and biometric access control. We understand the high-value disputes common in warehouse and factory rollouts.
Residential Alarm Monitoring: 100% compliant recovery for monthly subscription fees and “smart home” hardware kits. We navigate the sensitive parent-homeowner dynamic with diplomatic precision.
Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors who install security as part of a larger build. We handle the “Net-30” mediation needed to keep your cash flow moving.
Restoration & Maintenance: Recovery for the “hidden” side of security—the restoration and waste management firms that maintain the physical safety of commercial properties.

Local Rules & State Debt Laws: What You Need to Know

Collecting on security contracts is a legal minefield due to “Evergreen” (automatic renewal) clauses. We ensure your business is protected from 2026 compliance audits.

State	Key Regulation (2026 Standard)
California	Alarm contracts must have a separate, signed disclosure for auto-renewals longer than one month; otherwise, the renewal is void.
Florida	3-day “Cooling-Off” period applies to all home solicitation. Contracts for future services can be cancelled if services are no longer available.
Texas	“Clear and Conspicuous” rules apply. Evergreen clauses are enforceable only if they are more conspicuous than the surrounding text.
Federal (TCPA)	Starting April 2026, opt-out requests for one channel (text) must apply to ALL channels (voice/email) within 10 days.

Strategic Note: Because security contracts often involve “unreturned equipment” fees, we utilize Bank Levies and Asset Location as primary tools, as these are often more effective than traditional “calls” when hardware is involved.

Recent Recovery Results

Commercial Security Recovery: A multi-site retail chain defaulted on an upgrade project, leaving $13,500 in unreturned AI cameras and monitoring fees. Nexa’s B2B team located the chain’s secondary assets and secured a full settlement in 28 days.
Medical Facility Access Recovery: A specialty clinic owed $6,800 for an access control system. Using our professional mediation protocol, we recovered the $6,800 principal in 15 days, allowing the provider to reinvest in a newer system.

Our Cost-Effective Pricing Models

Fixed Fee Service ($15): The industry’s best “pre-collection” tool for accounts 30-60 days past due. The client pays you directly; you keep 100% of the money.
Contingency Fee (20% – 40%): Our “No Recovery, No Fee” model for tougher, older defaults. We only get paid when you do.

Frequently Asked Questions (FAQ)

1. Can you help me get my physical hardware back, or just the money?

Our mediation process prioritizes repayment, but for high-value commercial accounts, our notices explicitly demand the return of the equipment or the full replacement value. This “Return-or-Pay” leverage often triggers a response where standard billing fail.

2. Are your methods compliant with the new 2026 TCPA “one-type” opt-out rules?

Absolutely. Our platform is integrated with centralized consent management. If a subscriber opts out of a text, they are immediately suppressed on all voice and email channels, protecting you from $1,500-per-call statutory damages.

3. What happens if a subscriber claims they never signed an auto-renewal?

We audit your contracts for “Clear and Conspicuous” compliance before we begin. If the state law (like California’s BPC 7599.54) was followed, we use that legal leverage to move the debtor toward a settlement.

Ready to Reclaim Your Revenue?

Don’t let “zombie debt” and unreturned cameras drain your margins. Partner with a recovery team that understands the alarm industry from the ground up.

Contact Nexa Today

Outsource Your AR to a Collection Agency

Outsourcing your overdue accounts receivable to a Collections Agency will save you time and energy and help you recover a significant chunk your customer owes.

Transferring your overdue receivables will also reduce your stress and make you more legally compliant with all the state and federal debt collection laws and significantly lower your chances of getting sued back by your debtor. Here are all the benefits of involving a collection agency versus having your in-house staff deal with past-due accounts.

Need a Collection Agency?

Contact us to recover your unpaid bills

These two-letter words “Collection Agency” have a similar impact on debtors, like when you are speeding and you see a “Cop“. You suddenly slow down and start following all the rules. When a debtor understands that unpaid bills are being handled by a collection agency, the probability of getting paid suddenly increases.
You cannot handle debtors’ excuses well enough, but Collection Agencies deal with all sorts of excuses all day long. Here is the list of the most common debtor excuses.
You do not have a subscription to the expensive services used by Collection Agencies that assist in recovering money from accounts receivable. For example, they Skip Trace every debtor to find his latest address or to know if he is bankrupt.
Focus on your critical growth activities rather than collection activities. I guarantee that no one in your company likes to follow up again and again with debtors who are late on payments.
Collection agencies are experts in recovering money, your in-house staff is not. Outsourcing accounts receivable to a good collection agency will maximize the chances of recovery and improve your cash flow.
Are you trying to collect money from a debtor with a history of filing lawsuits? Collection agencies perform a “Litigious Debtor” check to minimize the litigation risk.
Save money on labor costs because you can never beat the invoicing cost of a collection agency, which is roughly $15 for 5 diplomatically crafted yet firmly written collection letters. They include various scrubs and tons of other checks.
If you prefer using only the contingency-based “Collector Calls” service, go for it. You do not need to spend a penny from your pocket. If the collection agency recovers money, they only get to keep a smaller portion of the amount recovered.
The faster you transmit your accounts receivable to a collection agency, the higher the chances are of recovering money. The chances of collecting money from a 90-day old debt are way higher versus waiting for nine months and then transferring.
There are many federal and state laws on collecting money from debtors, and failing to follow those can be risky and costly. Collection agencies train their staff regularly on these rules and regulations.
Collection agencies can accept payments online, and in many other forms, lot more ways than your office can accept money. They can also negotiate with the debtor to pay in installments if required.
Most collection agencies are so confident of their service that they will offer a written guarantee for their Letters Service, else they refund most of your money back.
Agencies can report unpaid accounts to credit reporting agencies like Equifax, Transunion and Experian.
Collection agencies have staff performing collection activities in both English and Spanish. Can your own staff do that?
They can also file a legal suit to collect money from the hardest accounts while you remain stress-free.
Collection agencies sometimes check the credit history report to verify the creditworthiness of your debtor to determine if they will pay soon enough or not.
Maybe you haven’t tried outsourcing accounts receivable yet, or your collection agency is not up to the mark. Contact us, and you will be connected with a collection agency with low contingency rates and recovery rates far above the industry average at no cost to you.
Your in-house staff must be frustrated by making reminder calls and repeatedly sending invoices. Outsourcing accounts receivable to an external collection agency will allow them to focus on the core responsibilities of your business.

There is an ever-growing market for outsourcing contact center solutions. Developing an outsourcing strategy into an ARM solution allows enterprises to differentiate themselves, provide a comprehensive customer experience, and reduce costs.

Most companies need to hone their niche products and services, which often means they cannot afford to spread their core competencies thin. Now more than ever, being lean and flexible demands focus on what you do best and outsourcing all the rest.

By definition, outsourcing is the strategic use of outside resources where it does not make financial or functional sense to carry out those activities internally. Outsourcing enables businesses to gain skills and services that are hard to find or develop due to resource constraints. First-party outsourcing provides the client with a seamless extension of internal operations for new or old projects that are too overwhelming to manage.

Uplift Your Brand

Outsourcing is an efficient way to boost a company’s brand and fast-track business goals. It allows companies to create a worldwide platform to launch products and promote the company name without needlessly shelling out hard-earned revenue. By contrast, investing in a trained and certified customer service team communicates to customers that a company is willing to put its best foot forward. The message to customers is “your satisfaction matters.” Companies can choose between making internal resources pull double duty on the phones while other projects are on hold or leveraging staff who have chosen customer service representatives as a vocation. Just imagine who will have a more positive impact. Outsourcing to customer service specialists will have a ripple effect of goodwill that reflects exponentially on the brand’s positive reputation.

Worldwide Talent Pool and Lower Support Costs

Companies gain access to a worldwide talent pool in an overseas outsourcing model. This allows them to expand their language capabilities and add “follow the sun” 24/7 coverage, ensuring the representatives handling inbound and outbound calls are always alert and upbeat. Drawing from global talent sources offers unique perspectives on problem resolution. In addition, offshore staffing costs remain, as always, much lower than similar services delivered by their domestic counterparts. In a global economy where remote monitoring tools and VPN connectivity level the playing field, cost savings are substantial.

More Versatility and Proficiency

Dipping into another talent pool also means access to different skill sets. When an in-house team specializes in specific core competencies, it is not always easy to pivot customer service functions to support a new product or service launch. A BPO team can help organizations drill down their expertise by handling custom campaigns with greater proficiency. It starts with building a comprehensive, ever-evolving knowledgebase or FAQ library, enabling representatives to expand their issue resolution or customer inquiry repertoire. Over time, those inbound and outbound dialogues become more effortless and second nature as representatives reinforce credibility and knowledge with customers. Since they are often the “department of first impressions,” call center representatives can make or break a company’s brand.

Greater Scalability

Organizations that experience fluctuating or seasonal call volumes find it difficult to adequately staff up or down to meet the peaks and valleys in demand. They also find it is costlier to bring on Full Time Employees (FTEs) over the short term. Not only does this approach strain internal resources to recruit, train, and manage those representatives, but call volumes may take a nosedive when new hire productivity ramps up. Outsourcing to a BPO team creates an overflow mechanism when inbound and outbound activities are less steady stream and more Murphy’s Law.

Redundant Tools and Systems

When force majeure becomes a force to be reckoned with, having redundant tools and systems is the ultimate “better safe than sorry” approach. Why settle for one set of telephony, ticketing system, or data center when an outsourcing partner can integrate with and replicate crucial systems, literally flipping a switch in the event of an outage? Outsourced service providers can safeguard intellectual property and ensure the most resilient service possible. BPO platforms and data are typically hosted in hardened, Tier IV data centers, which are good enough to store crucial data for the likes of Google, Intel, and Deloitte. Getting on board with an outsourcing partner that invests tens of millions of dollars in Business Continuity Planning tools and systems means never compromising on IT data security.

Enhanced Competitiveness and Productivity in a Post-COVID-19 Economy

Outsourcing increases the competitiveness and productivity of a company and allows growth over competitors. A budget-friendly, hassle-free, time-efficient and balanced way of increasing productivity is outsourcing. The turnaround time for projects is easily truncated with the help of outsourcing. Leveraging an outsourcing partner enables internal staff to complete their work on time without compromising quality.

Simply put, outsourcing is a way to enhance productivity and efficiency by drilling down on internal functions that have the best ROI and offloading those that do not.

The truth is the post-COVID economy has forced the hand of outsourcing as an ever more valid business strategy. As companies scramble to stay more connected and get more done while being further and further apart, outsourcing has built a case as the new normal for how we should conduct business today. And it is not an option that is likely to go away soon. Despite the social distancing, an outsourcing partnership remains close at hand.

Athenahealth & Collections: Turning athenaOne A/R into Cash

athenaOne is strong software – but it doesn’t collect your old balances

athenahealth supports thousands of medical and dental providers and pushes hundreds of millions of claims a year. athenaOne gives you:

EHR and practice management
Built-in billing and RCM tools
AI features to clean up claims and reduce manual work

Yet many practices on athenahealth still face:

A/R days drifting into the 45–60+ range
Patient balances that sit in 90+ day aging
Rising denials that staff can’t keep up with

In other words, your software is modern, but your money is still stuck.

What athenaOne does well for revenue – and what it doesn’t

athenaOne is excellent at:

Capturing charges and sending cleaner claims
Checking eligibility and surfacing coverage data
Automating portions of prior auth and denial prevention
Giving you dashboards for A/R, denials, and collections

But athenaOne is not a contingency collection agency. It does not:

Call seriously overdue patients for weeks or months
Negotiate payment plans with people juggling multiple debts
Skip-trace bad addresses and lost phone numbers
File lawsuits or handle legal escalation

Once balances hit 90–120+ days with no response, you’re outside the normal athena workflow and into third-party collections territory.

Serving AthenaHealth Practices Nationwide

Recover unpaid medical bills: Contact Us

$9.75 for five Collection Demands. Contingency fees flat 40%

Medical and dental A/R on the same athenahealth platform

One strength of athenahealth is how it serves both medical and dental:

Multi-specialty groups, CHCs and FQHCs can run medical and dental in one system.
You can see A/R by provider, service line, location, and payer.
Dental modules support treatment plans, estimates, and A/R aging similar to your medical side.

That means your athenaOne reports can show:

Which medical services generate the most unpaid balances
Which dental procedures or plans tend to age into 90+ days
Where patient-pay exposure is highest across both sides of the practice

The missing piece is deciding what happens next with those aging balances.

Using athenaOne metrics to decide what goes to collections

athenaOne gives you the data. You need the rules.

From your athena dashboards and A/R reports, track:

Days in A/R
- Many groups aim for 30–45 days.
- Consistently over 45–50 days is a sign you’re carrying too much risk.
A/R aging buckets
- 0–30 and 31–60 days should hold most of your balances.
- When a big chunk of A/R is sitting in 90+ days, those accounts are unlikely to self-cure.
Net collection rate
- Over time, you want to be as close to 100% of net collectible as possible.
- A falling collection rate with stable volume means more money is quietly turning into bad debt.

Turn those numbers into simple placement rules, for example:

Any patient balance 90+ days old, with no payment or arrangement → eligible for third-party collections
Larger balances (e.g., $500+ or $1,000+) escalate faster than tiny ones
Certain visit types (elective, high-dollar, dental treatment plans) get closer follow-up at 30–60 days

Once the rules are written, you use athenaOne reports each month to pull accounts that match and move them to collections instead of letting them sit.

AI + humans: athenaOne plus a collection agency

athenahealth has invested heavily in AI-native RCM to:

Clean claims before submission
Speed up prior auths
Reduce preventable denials

That’s the front end of your revenue cycle. The back end still needs people:

Talking to patients who are confused or scared about their bills
Setting up realistic payment plans
Tracking down moved or unresponsive debtors
Escalating a small subset of accounts through legal channels when needed

A good medical/dental collection agency understands HIPAA, FDCPA, state rules, and the realities of high-deductible plans. They work from your athena exports, treat patients respectfully, and focus on recovering balances that your internal team can’t reach.

How Nexa fits into your athenahealth collections strategy

If your athenaOne dashboards look sophisticated but your A/R days and 90+ balances keep rising, you don’t need more screens — you need a stronger collections layer.

Nexa is an information portal that helps medical, dental, and integrated practices find suitable collection agencies.

We are not a collection agency and we do not perform credit reporting.
You share your collection requirements with us: specialty mix, patient profile, A/R issues.
We then share those requirements with carefully shortlisted, healthcare-focused agencies we believe can handle your type of A/R.
It is entirely your decision whether or not to work with them.

If your athenahealth system is doing its job but your cash flow still isn’t, combine what athenaOne does best with a well-chosen collection partner. Together, they help you turn more of your billed charges into actual, collected cash — on both the medical and dental side.

Contact us today if you want a lower-cost collection agency providing superior recovery rates for AthenaHealth practices.

Please mention in the “notes” section that you use AthenaHealth to qualify for a special rate of $9.75 per account.

Features and Cost

– A special price for AthenaHealth practices is only $9.75 per account for the Collection Letters service. Already serving more than 100 AthenaHealth medical practices. Higher volume lowers this price even further.

– Five collection letters are sent every few days in colored print, including a provision to send a “Thank you” letter after the patient pays in full.

– Change of Address, Bankruptcy check and Litigious patient check are performed on all accounts. “Litigious patient scrub” minimizes the chances of lawsuits that a patient can file on medical practices.

– FDCPA, TCPA, GLBA and HIPAA Complaint

– A 24×7 client portal with PCI/SOC cybersecurity standards is additionally available.

– A low contingency cost of no more than 40% is charged for the Collection Calls service.

– Collection activity can be performed in both English and Spanish.

– No setup fee, minimum volume, hidden cost, or contract length.

– Most practices are set up under the Pay-as-used billing scheme.

– Friendly collection practices, state-of-the-art technology and vast healthcare collections experience.

– Licensed, bonded and insured. Collecting money across all 50 states.

Use our “Contact Us“ form and we will have a well-trained professional with several years of experience in setting up AthenaHealth accounts for the Collection Letters and/or Collection Calls service.

Low Cost Debt Collection Agency

We have carefully shortlisted a handful of collection agencies based on our 20 years of experience in the debt collection industry. Simply fill out our Contact Us form, and we will connect you to a cost-effective Collection Agency with extensive experience in your industry.

How much should a Collection Agency Charge?

Low-cost Collection Letters service should cost between $10 to $18 per account. This is ideal for debts less than six months old. Your Collection Agency should encourage you to use this service, and even offer a recovery rate guarantee for this step.
Contingency rates for Collection calls and Legal Suit should be no more than 35% to 45%. These services are ideal for accounts over 180 days past due.
Your collection agency should offer a 5% discount if your volume is high or if the average balance of your accounts is over $2,500.
They should have a strong network of nationwide lawyers to file a legal suit if all other recovery efforts fail.

Did you have a bad experience with your current Collection Agency?

Have you ever fallen for a debt collection agency claiming to be the cheapest and best and later found out that

It was not precisely correct.
They have simply cut a few essential steps of the standard debt collection procedure to make their pricing cheaper than others. In other words, they sold you an inferior product.
They offered no customer support after you signed the contract. Were your calls forwarded to a call center located in a foreign country that did not speak good enough English? Weren’t you very concerned that your and your debtor’s sensitive data is being shared and handled by non-American staff? Are these debt collectors handling the data of your debtors securely or not?
Collection services that were demonstrated turned out to be sub-standard and resulted in lower than average recovery rates.
Your agency did not do a Change of address, Bankruptcy check, and most importantly, the Litigious-debtor check to protect you from potential counter lawsuits.
Made you buy too many accounts, products, or services, or they came with a 1 or 2-year expiration date?
You bought cheap service earlier, just to realize hidden fees were attached.

Oh, let’s not stop here.

For the Collection Calls service, we have heard these taglines

* No Recovery – No Fees ( Read it: We are pushing you for Contingency only collections since our collection agency earns most from it. Did they even offer you the low-cost flat-fee Letters Service.)
* Whatever we collect – You keep half and we keep half ( Read it: Contingency fee is 50%. Too high. Anything over 40% is high.)

You get what you pay for!

No collection agency will give you a super cheap package without removing some crucial steps, cutting corners, outsourcing to a foreign country, providing inferior customer support and leaving you more prone to lawsuits.

What to look for to shortlist a Good Collection Agency?

Go for the collection agency that offers superior services for the optimum cost to get maximum returns for your buck. The difference in cost or commissions charged between an inferior collection agency and a full-service collection agency is not more than 10%, but the results are drastically different. Your super low-cost collection agency search can leave you with an inferior debt recovery service.

Collection Agency should definitely offer these services:

Offer all three scrubs – Change of address, Bankruptcy check and Litigious customer check.
Should offer full service of 5 collection letters, nothing less.
Should not put an expiration date on accounts purchased under the collection letters service.
You should be able to buy accounts in bulk to avail cheaper pricing.
Should send collection letters in “Colored Print”, and not in plain Black and White. A colored print is known to grab an immediate debtor’s attention more than a boring B/W print.
Should have all operations located in the USA and/or handled by USA citizens or residents. This includes Customer support, Debt Collection agents, Software development and Call Centers.
Should offer credit reporting to agencies like Equifax, Transunion or Experian.
Should offer collection activities in both English and Spanish.
Should offer an Online Client Portal where you can submit accounts, stop/pause collection activity on an account, report payments and monitor performance.
Should have a PCI or a SOC 1 security certificate.
It should be insured, certified and bonded. It should be licensed to collect in all 50 states of USA.
Should follow all FDCPA collection laws and regularly screen or train their debt collection staff for it.
Do background checks of their debt collectors before hiring.

A low-cost collection agency is desirable, but it should not offer inferior services.

Contact us if you are looking for a full-service, well-priced collection agency with experience in your industry.

Propane, Heating Oil & Utility Debt Collection

You Delivered the Gallons. They Burned the Fuel. Now You Need the Cash.

Fuel delivery is a high-stakes inventory game.
Unlike a service business (like a lawn mower) where you lose time if a client doesn’t pay, in the fuel business, you lose inventory. Every gallon of #2 Heating Oil or Propane left in a debtor’s tank represents cash you already paid to the terminal.

When wholesale prices spike, your “Bad Debt” line item doesn’t just double—it triples. You are squeezed between the rack price and the customer’s wallet.

The “Winter Gap” Problem
The industry’s biggest killer is the “April Drop-Off.” Customers on Budget Plans pay faithfully through January, but as the weather warms up, they stop paying the “true-up” balance. They ghost you in Spring, leaving you with a $600 deficit that destroys the margin on every gallon you delivered all winter.

Why Switch to NexaCollect?
Most agencies treat a $400 fuel bill like a credit card debt. They don’t understand PUC (Public Utility Commission) regulations, “Cold Weather Rules,” or the intricacies of Automatic Delivery contracts. We do.

The 3 Leaks in Your Cash Flow Pipeline

1. The “Automatic Delivery” Trap

You fill a customer’s tank in February because your “Degree Day” software said they were low. Two weeks later, they move out. The new homeowner says, “I didn’t order this.” The old tenant is gone.

The Nexa Fix: We specialize in Tenant Skip-Tracing. We use utility data and credit headers to find where your “pump and run” debtor moved, serving them the demand letter at their new address before they unpack.

2. The Regulatory Minefield (Cold Weather Rules)

You often cannot shut off heat during winter months due to state moratoriums. Debtors know this. They abuse the “no shut-off” rule to rack up balances they have no intention of paying.

The Nexa Fix: While you can’t shut them off, you CAN collect. We apply credit pressure without violating PUC safety regulations. We turn the conversation from “You can’t freeze me” to “This will destroy your credit score for 7 years.”

3. The Tank Asset War

In propane, you often own the tank. If a customer defaults, you have a $1,500 steel asset sitting in their yard. Retrieving it costs money (crane, pump-out, labor).

The Nexa Fix: We use the debt collection process as leverage to negotiate the voluntary surrender of the tank or a “pump-out” agreement, saving you the legal fees of a Replevin action.

Serving Energy Industry Nationwide

Need a Collection Agency? Contact Us

Delivering High Recovery Rates

Q&A: Fueling Your Recovery Strategy

Q: Can you collect on “Budget Plan” breakage?

A: Yes, and this is where Step 1 (Fixed Fee) shines. If a customer misses two budget payments in March/April, send them to us immediately. A polite but official reminder from a third party is often enough to get them back on the plan before the balance becomes insurmountable.

Q: Dealing with Commercial Farms/Greenhouses?

A: Agricultural accounts are notorious for “harvest-based” cash flow. When a large farm owes $25,000 for propane used in grain drying, standard letters don’t work. Our Commercial Division understands the agricultural cycle and negotiates payment plans secured by the harvest proceeds.

Q: Do you understand “Degree Day” disputes?

A: Absolutely. Customers often claim “You let me run out” or “You filled me when prices were high.” We act as a mediator, reviewing your delivery logs and contract terms to prove the delivery was authorized, neutralizing the dispute.

Pricing & Services: The “Gallon-for-Gallon” Recovery

We use a “Waterfall” system designed to protect your margins.

Step 1: Budget Plan Rehabilitation (Fixed Fee)

Cost: ~$15 per account.
Best For: Residential balances < $600; Budget plan “misses” (30-60 days late).
Strategy: Five diplomatic reminders sent in your name. It looks like a billing error notice, not a threat.
Benefit: Keeps the customer on your route. You recover 100% of the cash and stop the “churn.”

Step 2: The “Shut-Off” Warning (Fixed Fee)

Cost: ~$15 per account.
Best For: Accounts 90 days past due; “Will Call” customers who ignored the bill.
Strategy: Formal demand sent in the Agency Name.
Benefit: Signals that the account is flagged for credit reporting.

Step 3: Contingency Collections (Skips & Commercial)

Cost: ~33% – 40% (No Recovery = No Fee).
Best For: Tenants who moved, tank recovery leverage, and balances > $1,000.
Strategy: Deep skip-tracing, asset investigation, and PUC-compliant negotiation.

Step 4: Legal Action

Cost: ~40% – 50% Contingency.
Best For: Large commercial/agricultural balances or recovery of high-value tank assets.

Recent Results: Real Industry Scenarios

Heating Oil Supplier (New England) – The “Budget” Crash
- The Scenario: A mid-sized dealer had 200 customers default on their “Budget Caps” at the end of a mild winter, owing an average of $350 each.
- The Solution: A bulk Step 1 campaign in May.
- The Result: Recovered $52,000 in small balances. The dealer paid only the flat fee (~$3,000 total), keeping $49,000 to pre-buy fuel for next season.
Propane Distributor (Midwest) – The Agricultural Default
- The Scenario: A large poultry farm owed $42,000 for propane used to heat chicken houses during a cold snap. The farm claimed “poor yield” and refused to pay.
- The Solution: Placed in Step 3 (Contingency). Our team identified the farm’s active supply contracts with processors.
- The Result: We negotiated a settlement where a portion of the farm’s next processing check was garnished directly to the propane dealer. Full recovery in 4 months.
Regional Gas Utility (South) – Tenant Skips
- The Scenario: High turnover in university rental housing led to $80,000 in unpaid “final bills” averaging $120.
- The Solution: Automated placement into Step 2 combined with credit reporting.
- The Result: 40% of the students paid immediately upon seeing the “Collection Notice” hit their credit monitoring apps, fearing it would block them from renting their next apartment.

Stop Burning Profits.

Your trucks are burning diesel to deliver product. Don’t burn money chasing the payment. NexaCollect understands the unique squeeze of the energy market. Let us recover the funds so you can focus on the next delivery